This week’s insight offers good news for prospective home buyers.The average 30-year fixed-rate mortgage plunged 0.16% to 6.29% in the wake of last Friday’s weak August jobs report. That continued a trend of falling interest rates leading up to the mid-month Federal Reserve meeting. Prospective homebuyers may now lock in a mortgage at the cheapest rate in 11 months. For perspective, it was just this past May when 7% was the norm. But could it go even lower? And are there other options? Let’s flesh that out.